Famously Frugal

Wednesday, April 4, 2018

A few months ago at my neighborhood ladies bible study, we learned
some shocking news. One of our didn't realized that you really could
still check books out of the public library for free. Crazy, right?

It
all happened while we were discussing a book that one of us had read.
M, our tech savvy, youngest member of the group who reads the Bible off
her i-pad, piped up that the book was only $8.78 at Costco right now. I
replied that since I'm notoriously cheap, I'd rather check it out from
the library, where it's free. The rest of the conversation went
something like this:

M: Shut up! The library is still around?!

me: Uh ... yes.

M: SHUT UP!!! And it's free?!?!

me: Uh ... yes.

M: Shut up! I've seen them on tv and stuff, but I didn't realize they were still around!

me: You can reserve books online now and even check out more than one book at a time. They even have a free app for e-books and audiobooks!

M: Shut up! So it's like Netflix ... for books ... only free? WHAT??

We
spent the next several minutes laughing hysterically and explaining the
intricacies of the library system to her. We heard the phrase "Shut
up!" (used in the Mean Girls tense) numerous times. One of us
almost convinced her that there was a $5 monthly fee that she could
collect and pay on her behalf, but we didn't let her fall for it.

I
am a voracious reader. If I find a book I like, and have the time to
spend reading it, I can knock out a rather long book in one afternoon. I
used to buy a lot of books (and sometimes I still do, but that will be
covered in a later post). But lots of books quickly take up lots of
space and are heavy and expensive to move (something we've done A LOT).
When we moved to North Carolina, I started taking advantage of the local
library system.

My local library system is awesome. They have an extensive collection, with just about any
title you could ever want. And if they don't have it, they'll borrow it
from another county's library. They offer audio books and even e-books
for your tablet or your phone through the Overdrive/Libby App. I can request a book online or through a FREE
app on my smartphone and they'll e-mail me when it's ready. We
regularly attend the free Storytime, where they often have puppet shows
and crafts for the kids. The one we like to visit is located in the
same building as the local cultural center, where they host tons of
great free family events, like concerts, puppet shows, and movies for
mom's with small children (AKA: it's ok to bring your noisy, wiggly
preschooler to this showing of these movies). For a very reasonable
price, they have all sorts other events like comedy shows and plays.
They also offer classes for all ages on topics like cooking and dance
and pottery. Seriously, it's awesome.

You can save
some serious entertainment moola by checking up on what you're local
library/cultural center has to offer. It's usually way more than you
every realized. We visit there so much that my kids act like seeing the
storytime lady is spotting a celebrity. (I'm always surprised they
don't ask for Miss Megan's autograph).

I honestly
was shocked that my friend didn't know what all the library had to
offer. But that's par for the course with her, just the other day, she
told me I'd changed her life by introducing her to crockpot liners.

Friday, March 23, 2012

I can admit it. I'm a Hunger Games fan. I've read the entire series twice, and I'm super excited about the movie. .

Every geeky cell in my body longs to have Hunger Games T-shirt, but I just can't bring myself to spend our hard-earned money at Hot Topic on the mass-produced, over-priced rags they sell. So after cruising Pinterest, and viewing some super-creative Panem-inspired garb, I decided to used the bleach stenciling method.

While most instructions I found recommended using freezer paper and bleach pens or vellum and spray adhesive, I didn't want to spend that much money. After experimenting for a while I came up with my own method.

I picked up a nice dark gray shirt at Walmart for $4.48, the printed out an image of the mockingjay symbol on a piece of card stock that I already had at the house. I put several sections of the newspaper in the middle of the shirt to prevent the bleach from soaking through to the other side. I cut out the image with a razor blade, and positioned it where I wanted it on the T-shirt. I didn't use any adhesive, I just set it on the shirt. I filled small spray bottle (one with a fine spray nozzle) with Clorox, and sprayed a fine layer of bleach over the area of the stencil. You don't need to use much, and while I didn't do it this time, next time I'll rinse the bleach out of the shirt once I get to the desired color of the shirt. I let this sit a little too long and it over-bleached a little, but I still love the finished produce.

I think it looks very District 12. I made one for me and and identical one for my sister. She was thrilled. The entire project only cost me $4.48, since I already had cardstock, bleach and a spray bottle at the house. It was a fun, fast, easy and cheap project that I'm sure I'll do again!

Tuesday, January 24, 2012

So while I was at bible study last night (btw we're studying Daniel by Beth Moore, and all I can say is A-MAZ-ING!!), one of my other frugal friends got on to me for not posting more often. Sorry, life caught up to me, so blogging took a back seat for a while.

A few months back, on my other blog, I wrote that I was thinking about making my own laundry detergent:

What I'm about to say sounds crazy, but just go with me here, ok?

I'm going to attempt to make my own laundry detergent.

I know, I know, it's 2012, and these products are readily available at my local grocery store. And, no, I haven't decided to run off to Arkansas and join the Duggar family. My awesome friend Ashley (she writes a blog called Organized Homemaking), got me interested in trying this. She and I are what I like to call "famously frugal."(This is where I came up with the idea for the new blog) We love finding new ways to save money. This one is apparently a HUGE saver!

After lots of highly intensive research (I did a Google search), I found that there are a lot of "recipes" out there for laundry detergent. Most of them are for the liquid variety, which is the kind I normally use. They seem pretty labor intensive and involve "cooking" the mixture and monitoring it to make sure it doesn't burn. This is the kind that you see the Duggar Family make on 19 Kids and Counting. I'm sure it probably works great and it's worth all the effort, but I don't have teenager in my house that I can ask to take on this project. There a two preschool age children and frazzled, stay-at-home mommy here, and frankly, I don't have time to "cook" my laundry detergent. So I found a recipe for the powdered variety on a great website called DIY Natural. It seems MUCH simpler, and this is what I plan on trying.

The website estimates that their homemade detergent costs $0.05 a load, compared to an average of $0.21 a load for the name brand detergent. Since I don't trust anyone (I mean, come on! I won't even use my name on this blog!), I'll do my own price comparison.

Well, I did it. It was incredibly easy and cheap to make, and I've been really happy with the results. The supplies I bought for around $7.50 would make around 6 batches of detergent. You only use one tablespoon per load, so a little goes a long way. It doesn't really make suds, so I've been told you can use it in an HE washing machine. I don't have one, so I have no way of testing it out, but it sounds feasible.

I used Ivory soap for this batch since I had some I'd gotten for free with coupons just laying around the house. Next time, I think I'm going to try the Fels-Naptha laundry soap I keep hearing about. (I know what you're thinking. My friends and I must be super exciting, we sit around and talk about laundry detergent.) While the ivory cleans well, and doesn't leave much of a fragrance, I'm betting the Fels-Naptha would take out more stains. Of course, that would make it cost a little bit more per load since my Ivory soap was free, but I think the savings would still be pretty substantial.

Here's my own price comparison from buying ingredients in my local area:

I know it seems like pennies, but it adds up quickly. If I spend the same amount on supplies to make six batches of homemade soap as I spend on just one box of name brand detergent, I've saved $42 already! That's enough to buy a whole new outfit (at least it is for me, since my wardrobe is almost exclusively from Kohl's, Target and Walmart)! With two adults, one preschooler and one potty-training toddler, we have A LOT of laundry. I see this turning into a bit money-saver for us.

Thanks to the wonders of Pinterest, I've seen recipes for tons of other homemade cleaners that I plan to try. Homemade stain removers, dish detergents, glass cleaners, even skin products abound on Pinterest. If you're not on Pinterest yet, you really should be. Send me your e-mail address and I'll send you an invite. It's fabulous, especially if you're life is exciting as mine, and saving money makes you all giddy inside, like it does me. I'll let you know how they turn out. :)

Wednesday, December 28, 2011

During the holidays I have failed miserably at my goal of posting weekly. It's a busy time for everyone, so even if I had posted, no one would have had time to read it anyway, so I think we're even!

With the new year coming up, I know many of us are making resolutions about things we want to accomplish. Most of us will probably abandon these goals by January 6th or 7th, but let's pretend that we're gonna stick with them, ok?

If saving money is one of your goals, it really is doable in the new year! So as an encouragement to those of you who are setting this goal, here are some of my favorite money-saving resources:

Dave Ramsey
Dave is awesome! His concepts are simple, even old fashioned, but adopting his philosophies about money really will change your life. I highly recommend reading one of his books (checked out from the library of course!) or attending Financial Peace University. He breaks it down to the basics: Don't spend money you don't have!! Freedom from debt is a gift that can completely turn your life around. Seriously...

The Frugal Girls
Great resource for deals and ideas on DIY stuff. Their Facebook page is also a great resource. Simply liking their page will put them into your newsfeed, so you can keep up with all the great deals they post.

Consignment Mommies
Fantastic site to find great seasonal consignment sales in your area. Whether you're wanting to make some moola by cleaning out your kids closets and toy boxes or trying to find some inexpensive options to clothe your kiddos, this site has some great resources. I've sold and bought at several sales in my local area, and LOVE it! I find much better deals at seasonal sales rather than consignment stores, since sellers are allowed to set their own prices. I'll devote an entire post to this topic later in the year, but just check out this site. It's great!

Southern Savers
I get a lot of questions about couponing. If you live in the South (mainly the South East), this is a fantastic resource. It has an entire section on how to coupon, and keeps you up to day with lists that match store sales with coupons for the most savings!

Pinterest
I know, you probably already know about this site for recipes and fun craft projects, but I've also found a lot of money saving resources on it! Recipes for common household products, ways to reuse items around your house, tons of recipes for leftovers and freezer meals. If you don't already have an account, it's much easier to get one if someone sends you an "invite." So post it on your facebook status, and surely someone will take pity on you!

I really hope we're all able to stick with our New Year's Resolutions (mine is to set up a cleaning schedule at my house and actually stick to it so this place isn't in chaos all the time!). Here's to hoping yours stick!

Tuesday, December 6, 2011

For the past three weeks or so, I've been getting the same question from my daughter... every day... sometimes three or four times a day... or maybe more, depending on her mood.

Is tomorrow Christmas?

As sweet as it was at first, I do have to admit, once I've answered this question for the 13th time in a day, it starts to be a bit annoying. But it does serve to remind me that Christmas is sneaking up on me, kinda like an obnoxious little brother who likes to hide behind the bushes and throw bottle caps at you (yes, Momma, that reference is for you).

My main challenge at Christmas time is coming up with unique, affordable gifts to give my friends and family. Over the years I've compiled a few ideas on how to address this problem.

Utilize your friends who are more talented than you

I have my talents, but most of them aren't quantifiable. I'll gladly sing you a song, but it probably won't gift wrap very well. On the other hand, my sister is a knit-a-holic. She creates adorable knitted and crocheted items all the time. Recently, I paid her to make a specialized baby present for my fellow science fiction nerd friends (It was a Jane hat. You'll only get that reference if you watched Firefly). It turned out adorable and they loved it.

It would totally be possible to utilized this same concept for Christmas presents. Have a friend who's a super scrapbooker? Pay him to make a small memory book for grandma. Have a friend who can sew anything? Pay her to make a couple of adorable throw pillows for your sister. Know someone who loves to make pottery? Have her make a vase to match your best friend's living room. Paying for the supplies and another small amount for their time, it's a win-win! You'll usually come out MUCH cheaper and definitely more unique than if you just gave them a gift card.

Channel Your Inner Craft Goddess

I like to think I'm crafty, but in reality, I'm not. Most of my craft attempts come out looking like they were made by a 4 year old. Actually, some of my 4 year old daughter's crafts look better than mine do. But thanks to Pinterest, there are TONS of ideas out there for inexpensive cool stuff. Here are just a couple of ideas I've found this year, but I'm sure there are directions on how to make some amazing stuff for cheap all over the internet. You just have to hunt a little. (WARNING: If you expect to receive a gift from me this year and want it to remain a surprise, DO NOT click on any of the links below.)

25 Handmade Gifts for Boys
Awesome ideas for the boys in your life! It even tells you how to make your own real life Angry Birds game! At the end of the page are links to handmade gifts for girls, women and men!!

Homemade Soap in Your Crockpot
One batch of soap made in the crockpot would make great gifts for friends and neighbors! Plus, she has several other adorable ideas on this post!

There are about a bajillion other ideas on Pinterest or Youtube or whatever. Just get searching!

Give Them A Memory

Most of my best childhood memories are of experiences and not of actual physical gifts. Get them a membership to a local museum or zoo, which is often pretty reasonably priced and includes multiple admissions. There are usually multiple levels so you can give as big or as little as you like. Here are some resources for my local NC friends:

NC Zoological Society
A family membership includes year-round admission for 2 parents and ALL children in their household for only $59.

Marbles Kids Museum
A family membership cost $100, but includes a year's worth of admission for your household and some other really cool benefits!

NC Symphony Orchestra
They offer a really wonderful children's program. Tickets might seem a little pricey, but purchased in sets for more than one show can lower the cost. It's a great way to introduce kids to live, classical music.

The Dreaded Re-Gifting

I'm about to spill my guts about something I haven't admitted to very many people. I am a re-gifter. I know, it's not socially acceptable, but I am guilty of it. Every year, it never fails, that someone in our family receives a gift that he or she isn't particularly fond of. It's perfectly good stuff, just not something we can use. I have a large box in my laundry room where I keep this stuff. It usually consists of jewelry that's not my style or candles in a fragrance I'm not fond of. Sometimes there are books that I've already own or toys that my kids aren't interested in. I keep them around for passing along to someone who might like them. I know it's not considered proper etiquette, but when you're on a limited budget, and want to give a nice gift, I see nothing wrong with passing along something they would appreciate more than you! It works great for white elephant parties! There are a couple of important rules, though:

1. Don't pass along used stuff. If you've burned the candle to see how it smells, don't regift it. If you've tried the bodywash, don't regift it. If you've worn the earrings, don't regift it. If you're kids have drooled and snotted all over the stuffed animal, don't regift it!

2. ABSOLUTELY DO NOT GIVE IT BACK TO THE PERSON WHO GAVE IT TO YOU!!!! This would be disastrous! Before an item enters my regifting box, it gets a sticky note with the name of who gave it to me and the date I received it. If you're not certain where it came from, DON"T REGIFT IT!!!!!

Anyway, those are just some suggestions I have for some unique and inexpensive gifts. Hopefully, my family will forgive me if they receive something from this post and it's not a surprise.

Thursday, December 1, 2011

My amazing friend and fellow Meredith College graduate, the lovely Ms. Angela DePoy, has written a guest post for me! Check out her yummy recipe for inexpensive, outrageously healthy smoothies below:

The Monster-C Smoothie:

Do you love those $5 "fruit" smoothies? I hate them. They're full of crap. Ice, sugar, and fruit sitting in syrup.

I stock up on the huge bags of plain frozen strawberries - about $7 at Sam's Club. I use these as the "base" and make a month's worth of smoothies for 2 people (5 days a week) with one of these bags. Strawberries are super high in vitamin-C. I wish Sam's club had organic strawberries, I know they would cost a bit more, but at least frozen fruit is safe, high in nutrients and much better for you than what you get at the smoothie shops. That's about .17 per pint-size smoothie.

I also buy the huge bags of blueberries (the tiny wild ones are my favorite, but sometimes only the big ones are available). They are about $4 for a bag half the size of the strawberries. Mixed berries are good too, there's a bag with strawberries, blackberries, and blueberries. Blueberries are great. Full of antioxidants, low in calories..they're our friends. It only takes a few blueberries to flavour up a smoothie, or maybe .20 worth of blueberries.

I hate getting sick. I take Emergen-C religiously. For $17, I get a huge double pack of Emergen-C at Sam's club. Not my favorite flavours (hello pink lemonade, I wish you could be cheaper), but somehow raspberry and tangerine taste a lot better when you think about 80 packs in the box, or, .21 per packet.
I hate soy. Who knows what on earth they put in soy milk? I you've ever made it at home, it tastes nothing like what you get in the store, even if you strain it a million times. If I eat soy, I eat edamame or tofu but soy milk is scary. It doesn't taste creamy and it surely makes smoothies taste strange. I love So Delicious Coconut Milk (the 80 calorie kind). It's about $3.50 at my grocery store, and I use a half cup in each smoothie making it .22 per smoothie.

I also believe in good quality juice. I love organic grape juice, it's the cheapest kind and for around $3 you can get a small bottle - remember a little goes a long way. The little bottle is 4 servings, but you only need a half cup or 38 cents worth.

I keep organic Demerara sugar on hand. Usually there's a Dixie crystals coupon in the paper for it and that lowers the cost. You are only using about .10 worth of it (1 teaspoon), enough to brighten up the sweetness of the fruit.

Putting protein in smoothies is optional. Most Americans eat protein in ridiculous excess. Unless you're an Olympic hopeful or playing in the NFL, I don't see how putting chemically altered stuff full of artificial sweeteners and flavours is good for anyone. Worried about protein? Take a handful of almonds, pulverize them (try a coffee bean cutter, but you can only do a few at a time, or a high power blender). You can put that in a smoothie. I use a Ninja blender, not the fancy one, the $50 one.

Throw strawberries, blueberries, emrgen-C, coconut milk, grape juice, sugar in Ninja. Pulse it until it is super smooth. You may need a tablespoon or two of water if it gets too thick. Don't overwater, use one at a time. This smoothie will be super "velvety". Yields 2 pint-glass sized smoothies. Total Cost per smoothie: 94 cents. Makes a GREAT breakfast.

Thanks so much, Angela! Sounds delicious and ridiculously healthy!! I still have some strawberries in the freezer that we picked at our friends' farm in the summer that I plan to use for this recipe to make it even cheaper!

Wednesday, November 23, 2011

A few months ago at my neighborhood ladies bible study, we learned some shocking news. One of our didn't realized that you really could check books out of the public library for free. Crazy, right?

It all happened while we were discussing a book that one of us had read. M, our tech savvy, youngest member of the group who reads the Bible off her i-pad, piped up that the book was only $8.78 at Costco right now. I replied that since I'm notoriously cheap, I'd rather check it out from the library, where it's free. The rest of the conversation went something like this:

M: Shut up! The library is still around?!

me: Uh ... yes.

M: SHUT UP!!! And it's free?!?!

me: Uh ... yes.

M: Shut up! I've seen them on tv and stuff, but I didn't realize they were still around!

me: You can reserve books online now and even check out more than one book at a time.

M: Shut up! So it's like Netflix ... for books ... only free? WHAT??

We spent the next several minutes laughing hysterically and explaining the intricacies of the library system to her. We heard the phrase "Shut up!" (used in the Stacy & Clinton tense) numerous times. One of us almost convinced her that there was a $5 monthly fee that she could collect and pay on her behalf, but we didn't let her fall for it.
I am a voracious reader. If I find a book I like, and have the time to spend reading it, I can knock out a rather long book in one afternoon. I used to buy a lot of books (and sometimes I still do, but that will be covered in a later post). But lots of books quickly take up lots of space and are heavy and expensive to move (something we've done A LOT). When we moved to Wake County, I started taking advantage of the local library system.

The Wake County Library System is awesome. They have an extensive collection, with just about any title you could ever want. And if they don't have it, they'll borrow it from another county's library. They offer audio books and even e-books for your Kindle or Nook. I can request a book online or through a FREE app on my smartphone and they'll e-mail me when it's ready. We regularly attend the free Storytime, where they often have puppet shows and crafts for the kids. The one we like to visit is located in the same building as the local cultural center, where they host tons of great free family events, like concerts, puppet shows, and movies for mom's with small children (AKA: it's ok to bring your noisy, wiggly preschooler to this showing of these movies). For a very reasonable price, they have all sorts other events like comedy shows and plays. They also offer classes for all ages on topics like cooking and dance and pottery. Seriously, it's awesome.

You can save some serious entertainment moola by checking up on what you're local library/cultural center has to offer. It's usually way more than you every realized. We visit there so much that my kids act like seeing the storytime lady is spotting a celebrity. (I'm always surprised they don't ask for Miss Megan's autograph).

I honestly was shocked that my friend didn't know what all the library had to offer. But that's par for the course with her, just the other day, she told me I'd changed her life by introducing her to crockpot liners.

Thursday, November 17, 2011

I love to eat a delicious, leisurely meal, prepared by someone else, and then (most importantly) leave the mess for someone else to clean up. It would probably be close to the top of my list of favorite hobbies. Before we had kids, going out to eat on a daily basis was just a part of life. Both of us were working, and going out to lunch every day just seemed to be "the thing to do." We would think nothing of dropping $8 to $10 a day each at some random fast food joint, just on lunch. Most weeks included dinner out at a place like Chili's or Ruby Tuesday's together at least 3 times a week. I'd say we'd spend about $25 to $30 a dinner when we'd go out to eat together.

Here's the breakdown on what we were spending (I'm estimating on the low end here):

Lunches:
$8 a meal x 2 adults x 5 lunches out during the work week x 52 weeks a year = $4,160 annually

Dinners:
$25 a meal (for the both of us) x 3 dinners out during a week x 52 weeks a year = $3,900 annually

Total: $8,060

Let's face it, that's a LOT of money, and we weren't even having to feed children yet! On average, I'd say the meals I make at home (lunch or dinner) cost about $3 per serving. It's probably a lot less than that, but for the sake of argument, I'll go with $3. Let's do the math on the same number of meals:

That's a yearly savings of $5,564. (and that's just what we save during the week, not including weekends!!)

Can you imagine what we could have done with that money??? Taken a cruise, bought a cheap used car, saved up for college tuition! And that was a conservative estimate. I'm sure we spent much more than than during an average week when we were going out to eat a lot. I'm CERTAIN that most of the meals I make cost less than $3 per serving.

So now, I'm sure your question is how do you eat at home so cheaply? It's a simple matter of planning. I watch the sale flyers for my local grocery stores and try to plan my meals around what's on sale. I also stock up if the price is good, utilizing my freezer (I have two stand alone freezers in addition to the one attached to my fridge) I'm also a couponer. I am shameless about utilizing coupons to save as much as I possibly can.

http://e-mealz.com/
This site does charge you to use their services, but I've heard great things about it, and if you're not into meal planning, this does the work for you! Even though you have to pay for it, it's still a money saver.

http://crockpot365.blogspot.com/
I'm in love with my crockpot. Apparently, so was this lady. She spent a year cooking from her crockpot every day. She has some really great, creative recipes. Most of which can be made pretty inexpensively.

I'm not saying we never go out to eat, but we've cut down on it drastically. I'd say we go out about twice a week. We usually go on Sunday's right after church, and on Wednesday nights to the fellowship dinner at our church. We're very mindful of what we spend. The Wednesday night dinner at church costs us $12 for the whole family, about the same as eating at home. We use coupons and share meals at restaurants on Sundays, usually spending less than $30 for the entire family when we go to a "sit-down" restaurant, and less than $20 for the entire family when we hit up fast food. My husband takes leftovers to work for his lunch almost every day, and the kids and I eat at home almost exclusively. There is the occasional trip to Chick-Fil-A for a playdate or dinner out with my hubby, but on the whole, we don't spend a lot on eating at restaurants anymore.

Try evaluating your own numbers sometime. You'd probably be surprised at how many waitresses you are putting through college, just by the amount of tips you pay out!

They say the first step to recovery is admitting you have a problem. Well, my problem was that my husband was good at making money and I was good at spending it. This situation worked pretty well for the first seven years of our marriage. He worked incredibly hard while I worked in a low-paying career that I loved. We made pretty good money, and we spent that pretty good money. We traveled, we lived in exotic, expensive places, we bought houses, we sold houses, we made lots of frivolous purchases. We had a lot of fun, but dropped a lot of hard-earned money in the process.

In 2007, that all changed. We had our first child. I gave-up my low-paying, rewarding job, where the salary would have barely paid for daycare costs, and decided to be a stay-at-home mom. Seemed like a GREAT idea at the time, although we didn't fully think out the financial aspects of it all. While my piddly salary didn't seem like much, it actually was the extra dough that was keeping our spend, spend, spend lifestyle afloat. It didn't take long for me to realize that some drastic changes would have to be made. We totally revamped our lifestyle and found new ways to have fun, but save money.

In 2009, shortly before we added a second child to our family, we watched all of the videos from Dave Ramsey's Financial Peace University. While we were already on the right track, this program got us totally committed to never repeating the bad financial habits we had practiced before we had kids.

Now with two adults and two preschoolers being supported by one moderate income, we are using some pretty great tips and tricks to keep our family budget in the black every month. Whether you're a die-hard bargain hunter or in credit card debt up to your ears, hopefully, this blog will have some useful tips for you!